Programs - All

Property Type:
Residential - residential is defined as 1-4 Family Units which includes: Single Family Homes, Townhomes, Condominiums, Duplexes, Triplexes, and Fourplexes.
Property Use:
Investment Property Only - the definition of "Investment" varies by State but is generally defined as Non-Owner Occupied, typically owned by a Company, for the sole purpose of investment.
Collateral:
1st Position Mortgage / Deed of Trust Only

Programs - Wizard

Programs Wizard

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Programs - Carousel

Flip

12 Month Loan
Credit and Non-Recourse
Fixed Rate at 12.00%
up to 70% LTV
Loan Terms
Intended Use Buy-Fix-Sale
Note Term
Term 12 Months
Construction Period 180 Days
Resale Period 365 Days
Loan to Value Ratio, LTV 70.00%
Valuation Subject-To Appraisal
Note Rate & Payments
Interest Rate 12.00%
Rate Type Fixed
Amortization Term 12 Months
Construction Agreement N/A
Resale Interest Rate 12.00%
Construction Interest Rate N/A
Lender Origination Points
Points 2.75%
Minimum $2,750
Lender Servicing Fees
Underwriting
Credit Underwriting $0
Asset Underwriting $0
Construction/Asset
Construction Review $0
Doc Prep & Processing $0
Loan Servicing $0

Flip - High Value

Program for High Value Flips
Credit and Non-Recourse
Fixed Rate at 8.25%
up to 70% LTV
Loan Terms
Intended Use Buy-Fix-Sale (High Value Flips)
Note Term
Term 12 Months
Construction Period 180 Days
Resale Period N/A
Loan to Value Ratio, LTV 70.00%
Valuation Subject-To Appraisal
Note Rate & Payments
Interest Rate 8.25%
Rate Type Fixed
Amortization Term 12 Months
Construction Agreement Yes
Resale Interest Rate N/A
Construction Interest Rate 12.00%
Lender Origination Points
Points 2.50%
Minimum $2,500
Lender Servicing Fees
Underwriting
Credit Underwriting $0
Asset Underwriting $0
Construction/Asset
Construction Review $0
Doc Prep & Processing $0
Loan Servicing $0

Flip - Perm Option

Flip Loan with Perm Option
Credit and Non-Recourse
Rates starting at 7.50%
up to 70% LTV
Loan Terms
Intended Use Buy-Fix-Sale w Perm Option
Note Term
Term 30 Years
Construction Period 180 Days
Resale Period 365 Days
Loan to Value Ratio, LTV 70.00%
Valuation Subject-To Appraisal
Note Rate & Payments
Interest Rate 7.50%
Rate Type Adjustable
Amortization Term 30 Years
Construction Agreement N/A
Resale Interest Rate 12.00%
Construction Interest Rate N/A
Lender Origination Points
Points 2.50%
Minimum $2,750
Lender Servicing Fees
Underwriting
Credit Underwriting $0
Asset Underwriting $0
Construction/Asset
Construction Review $0
Doc Prep & Processing $0
Loan Servicing $0

Purchase

30 Year Mortgage
Credit and Non-Recourse
Rates starting at 7.50%
up to 70% LTV
Loan Terms
Intended Use Buy-Hold
Note Term
Term 30 Years
Construction Period N/A
Resale Period N/A
Loan to Value Ratio, LTV 70.00%
Valuation As-Is Appraisal
Note Rate & Payments
Interest Rate 7.50%
Rate Type Adjustable
Amortization Term 30 Years
Construction Agreement N/A
Resale Interest Rate N/A
Construction Interest Rate N/A
Lender Origination Points
Points 1.75%
Minimum $1,750
Lender Servicing Fees
Underwriting
Credit Underwriting $100
Asset Underwriting $300
Construction/Asset
Construction Review $0
Doc Prep & Processing $250
Loan Servicing $150

Refinance

30 Year Mortgage
Credit and Non-Recourse
Rates starting at 7.50%
up to 65% LTV
Loan Terms
Intended Use Refinance - Hold
Note Term
Term 30 Years
Construction Period N/A
Resale Period N/A
Loan to Value Ratio, LTV 65.00%
Valuation As-Is Appraisal
Note Rate & Payments
Interest Rate 7.50%
Rate Type Adjustable
Amortization Term 30 Years
Construction Agreement N/A
Resale Interest Rate N/A
Construction Interest Rate N/A
Lender Origination Points
Points 1.75%
Minimum $1,750
Lender Servicing Fees
Underwriting
Credit Underwriting $100
Asset Underwriting $300
Construction/Asset
Construction Review $0
Doc Prep & Processing $250
Loan Servicing $150

Rehab to Perm

30 Year Mortgage
Credit and Non-Recourse
Rates starting at 7.50%
up to 70% LTV
Loan Terms
Intended Use Buy-Fix-Hold
Note Term
Term 30 Years
Construction Period 180 Days
Resale Period N/A
Loan to Value Ratio, LTV 70.00%
Valuation Subject-To Appraisal
Note Rate & Payments
Interest Rate 7.50%
Rate Type Adjustable
Amortization Term 30 Years
Construction Agreement Yes
Resale Interest Rate N/A
Construction Interest Rate 12.00%
Lender Origination Points
Points 2.50%
Minimum $2,250
Lender Servicing Fees
Underwriting
Credit Underwriting $100
Asset Underwriting $300
Construction/Asset
Construction Review $125
Doc Prep & Processing $250
Loan Servicing $150